Okay, let’s tackle this. So Joe has a broad set of skills in banking, finance, and leadership, which are in demand across various industries. However, his specific experience in retail banking and commercial mortgages suggests a more specialized role. According to national averages, banking professionals with similar experience can charge between $80-$150 per hour. Considering Joe’s leadership skills and industry expertise, I’ll estimate his hourly rate to be around $125, which is slightly below the average but still competitive for a seasoned professional in this field.